Does Three Trees flood?
Three Trees, Charleston, SC · ZIP code 29412: the ZIP code on 467 of the 467 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Three Trees have filed flood claims. About 65% of Three Trees’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 467 claims from the Census block groups that cover Three Trees, from 1979 through 2024. 317 of them received a payment, totaling $6,020,684 (not adjusted for inflation). The busiest years were 1989 (258 claims), 2015 (64 claims), 2017 (54 claims).
What this page counts as Three Trees
We could not find an openly licensed official boundary for Three Trees, so this page uses a census-based area. For this page, Three Trees means the 2010 Census block groups whose center lies within 1.6 km (1.0 miles) of the U.S. Geological Survey (GNIS) map point for Three Trees (feature 1227123), each block group going to the nearest of the places we cover. Every number below is for exactly those block groups (listed in “How these numbers were made”), so the edges are approximate and may include or leave out a few blocks people would call Three Trees. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
Past claims do not predict future flooding, and a neighborhood figure cannot tell you about one building. Look up the exact address on the FEMA Flood Map Service Center and get flood insurance quotes before you sign a lease or a contract.
Check a specific address in Three Trees
Neighborhood figures are averages. Our address check looks up the FEMA flood zone at one address, from the same public maps: check if your address is in a flood zone.
Flood zones street by street in Three Trees
The named streets in Three Trees, longest first, with how much of each street’s length inside Three Trees lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Three Trees; the main zone is the FEMA zone covering most of that length. A street can cross several zones, so the zone at one address can differ from the street’s main zone: check the address above for that. 77 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Fort Johnson Rd | 2.5 mi | 0.0% | X (shaded, 0.2% annual chance) (67%) |
| Harbor View Rd | 1.3 mi | 45% | AE (45%) |
| Dills Bluff Rd | 1.3 mi | 52% | AE (52%) |
| Schooner Rd | 3,800 ft | 100% | AE (100%) |
| Mikell Dr | 3,780 ft | 50% | X (shaded, 0.2% annual chance) (50%) |
| Quail Dr | 3,610 ft | 100% | AE (100%) |
| Julian Clark Rd | 3,540 ft | 98% | AE (98%) |
| Seaside Ln | 3,440 ft | 5.2% | X (shaded, 0.2% annual chance) (63%) |
| Eaglewood Trl | 3,250 ft | 81% | AE (81%) |
| Oceanview Rd | 3,230 ft | 99% | AE (99%) |
| Relyea Ave | 3,180 ft | 100% | AE (100%) |
| Godber St | 3,180 ft | 0.0% | X (shaded, 0.2% annual chance) (56%) |
| Stiles Dr | 2,950 ft | 0.0% | X (unshaded, minimal) (74%) |
| Clark Sound Cir | 2,790 ft | 41% | X (shaded, 0.2% annual chance) (59%) |
| Honeyhill Rd | 2,720 ft | 46% | X (shaded, 0.2% annual chance) (54%) |
| Portabella Ln | 2,660 ft | 65% | AE (65%) |
| Harbortowne Rd | 2,580 ft | 100% | AE (100%) |
| Parrot Point Dr | 2,510 ft | 100% | AE (100%) |
| Nabors Dr | 2,510 ft | 41% | X (shaded, 0.2% annual chance) (59%) |
| Wayfarer Ln | 2,410 ft | 84% | AE (84%) |
| Creekside Dr | 2,400 ft | 100% | AE (100%) |
| Affirmation Blvd | 2,380 ft | 27% | X (shaded, 0.2% annual chance) (72%) |
| Bayview Farms Blvd | 2,360 ft | 41% | X (shaded, 0.2% annual chance) (59%) |
| Foxcroft Rd | 2,340 ft | 12% | X (shaded, 0.2% annual chance) (81%) |
| Regatta Rd | 2,330 ft | 38% | X (shaded, 0.2% annual chance) (62%) |
Streets: U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads). Flood zones: FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, retrieved October 25, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Three Trees
Share of Three Trees’s mapped area (about 7.634 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Mapped base flood elevations inside the neighborhood range from 10 to 14 feet. Effective date of the FIRM panel(s) covering it (45019C0677K, 45019C0681K, 45019C0682K, 45019C0683K): January 29, 2021.
| FEMA zone | Share of area |
|---|---|
| AE | 46% |
| X (shaded, 0.2% annual chance) | 27% |
| VE | 19% |
| X (unshaded, minimal) | 7.8% |
What the zones mean
- Zone AE (and A, AH, AO)
- High-risk: part of the Special Flood Hazard Area (SFHA), the area FEMA maps as having a 1-percent chance of flooding in any given year (the “100-year” or base flood). AE areas have a mapped base flood elevation.
- Zone VE (and V)
- High-risk coastal areas, also in the SFHA, where the base flood is expected to bring additional hazards from storm waves.
- Zone X (shaded)
- Moderate hazard: between the limits of the 1-percent and the 0.2-percent-annual-chance (“500-year”) flood.
- Zone X (unshaded)
- Minimal hazard: outside the SFHA and higher than the 0.2-percent-annual-chance flood elevation. Minimal is not zero: flood claims are filed from X zones too.
Source: FEMA Glossary: Flood Zones.
Flood insurance claims over time
Claims filed under the National Flood Insurance Program (NFIP) from the 2010 Census block groups that cover Three Trees. This area is made of whole block groups, so every claim counted here comes from inside it. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 3 | $3,947 |
| 1980s | 273 | $3,210,732 |
| 1990s | 21 | $18,036 |
| 2000s | 2 | $112,073 |
| 2010s | 145 | $2,169,033 |
| 2020s | 23 | $506,863 |
By year of loss
Named flood events with the most claims
- Hurricane Hugo: 258 claims
- October severe storms: 55 claims
- Hurricane Irma: 54 claims
- Flooding: 23 claims
- Hurricane Matthew: 20 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 361
- X/B/C (moderate or minimal): 56
- V/VE (coastal high hazard): 49
- Not reported: 1
How much is flood insurance in Three Trees?
The typical National Flood Insurance Program policy on single-family homes in Three Trees costs $1,084 a year: the median of 1,097 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $866 and $1,427. That is the full amount paid for the year, the premium plus FEMA’s fees and surcharges, and every one of these policies is priced under Risk Rating 2.0. A quote for one building can be far from this: its elevation, foundation, age, coverage and deductible all change the price. Private flood insurance is not included.
Source: FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3, computed October 25, 2026.
Insurance agency or real estate agent? Sponsor this page.
Before you rent or buy in Three Trees
- Look up the exact address on the FEMA Flood Map Service Center; a neighborhood can mix high-risk and minimal-hazard zones.
- Ask the landlord or seller about past flooding and flood insurance claims at the property.
- Get a flood insurance quote early: new NFIP policies usually take 30 days to start (FloodSmart (NFIP): Buy a Flood Insurance Policy).
- Ask which floor the unit is on and where parking, storage and mechanical equipment sit.
Living in Three Trees
Flood maps are only one part of choosing a neighborhood. To compare Three Trees with other Charleston neighborhoods on more than flooding, see Charleston on StrollPlace.
Buyer and renter FAQ
Does Three Trees flood?
Yes. Insured properties in and around Three Trees have filed flood claims. About 65% of Three Trees’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 467 claims from the Census block groups that cover Three Trees, from 1979 through 2024. 317 of them received a payment, totaling $6,020,684 (not adjusted for inflation). The busiest years were 1989 (258 claims), 2015 (64 claims), 2017 (54 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Three Trees in a flood zone?
About 65% of Three Trees’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). Shares by zone: AE 46%; X (shaded, 0.2% annual chance) 27%; VE 19%; X (unshaded, minimal) 7.8%. The FIRM panel(s) covering it took effect January 29, 2021.
Which streets in Three Trees are in a high-risk flood zone?
Most of the length of Dills Bluff Rd, Schooner Rd, Quail Dr, Julian Clark Rd, Eaglewood Trl, Oceanview Rd, Relyea Ave, Portabella Ln, Harbortowne Rd, Parrot Point Dr, Wayfarer Ln and Creekside Dr lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of Fort Johnson Rd, Seaside Ln, Godber St and Stiles Dr does. Zones can change along a street, so check the exact address.
What ZIP code is Three Trees in?
Three Trees is in Charleston, SC. ZIP code 29412: the ZIP code on 467 of the 467 flood insurance claims counted here. ZIP codes do not follow neighborhood lines. Check the specific address for its own flood zone.
Do renters need flood insurance?
Standard renters policies usually do not cover flood. Renters in a community that participates in the NFIP can buy contents-only flood coverage, up to $100,000 for belongings.
How long does a new flood policy take to start?
A new NFIP policy generally takes effect 30 days after purchase. Exceptions include no wait when the policy is bought while making, increasing, extending or renewing a mortgage, and a one-day wait in a newly designated high-risk zone within 12 months of the map change.
How much coverage can NFIP provide?
For a one-to-four family home, NFIP building coverage goes up to $250,000 and contents coverage up to $100,000. You can buy flood insurance even if you are not in a high-risk zone, as long as your community participates in the NFIP.
How much is flood insurance in Three Trees?
The typical NFIP flood insurance policy on single-family homes in Three Trees cost $1,084 a year: the median of 1,097 policies that started between August 1, 2025 and July 31, 2026. Half cost between $866 and $1,427. One building’s quote can be far from this; its elevation, foundation, age, coverage and deductible all change the price.
FAQ sources: FloodSmart (NFIP): Buy a Flood Insurance Policy; FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025); 44 CFR 61.11, Effective date and time of coverage.
Nearby neighborhoods
- Does Seaside flood?
- Does Secessionville flood?
- Does Clarks Point flood?
- Does Creek Point flood?
- Does Oakcrest flood?
- Does Westchester flood?
How these numbers were made
Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names. Flood zone shares: the area polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved October 25, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Charleston County (county code 45019), dataset as of September 8, 2026, retrieved October 25, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 450190020062, 450190020063, 450190020052. Neighboring pages can share a block group, so their counts can overlap. Paid totals add building, contents and Increased Cost of Compliance payments and are not adjusted for inflation; a claim whose FEMA record shows a negative payment (an adjustment) counts as zero. See the methodology.
Sources
- Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on October 25, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 25, 2026.
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
- FEMA Glossary: Flood Zones.
- FloodSmart (NFIP): Buy a Flood Insurance Policy.
- FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
- 44 CFR 61.11, Effective date and time of coverage.
- OpenFEMA Terms and Conditions.
- FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
- U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).
Data as of September 8, 2026 (FEMA claims) and October 25, 2026 (flood zones). Page last updated October 25, 2026.